Home > Bank of Cushing > Performance and Condition Ratios
Bank of Cushing, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 2,997 |
| Cost of funding earning assets | 0.5088% | 4,049 |
| Net interest margin | 3.9750% | 1,925 |
| Noninterest income to average assets | 0.9199% | 1,145 |
| Noninterest expense to average assets | 2.6850% | 2,929 |
| Loan and lease loss provision to assets | 0.4604% | 291 |
| Net operating income to assets | 1.1154% | 2,379 |
| Return on assets (ROA) | 1.0707% | 2,667 |
| Pretax return on assets | 1.2380% | 2,708 |
| Return on Equity (ROE) | 5.0757% | 4,187 |
| Retained earnings to average equity (ytd only) | 5.0757% | 2,381 |
| Net charge-offs to loans | 0.4542% | 409 |
| Credit loss provision to net charge-offs | 316.0714% | 877 |
| Earnings coverage of net charge-offs (x) | 12.0179% | 2,442 |
| Efficiency ratio | 57.7795% | 4,000 |
| Assets per employee ($millions) | 6.1981% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 1,471 |
| Loan loss allowance to noncurrent loans | 14,300.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,673 |
| Noncurrent loans to loans | 0.0099% | 4,551 |
| Net loans and leases to total assets | 33.8358% | 4,903 |
| Net loans and leases to deposits | 43.0721% | 4,846 |
| Net loans and leases to core deposits | 44.8519% | 4,855 |
| Total domestic deposits to total assets | 78.5561% | 4,268 |
| Equity capital to assets | 21.2121% | 203 |
| Core capital (leverage) ratio | 14.0880% | 908 |
| Tier 1 risk-based capital ratio | 24.8092% | 765 |
| Total risk-based capital ratio | 25.7302% | 773 |
| Memoranda: | ||
| Average total assets | $115,343,600 | 3,757 |
| Average earning assets | $102,013,200 | 3,834 |
| Average equity | $24,331,800 | 2,766 |
| Average total loans | $36,986,400 | 4,477 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5978% | 2,732 |
| Cost of funding earning assets | 0.4581% | 4,306 |
| Net interest margin | 4.1398% | 1,527 |
| Noninterest income to average assets | 0.9366% | 1,071 |
| Noninterest expense to average assets | 2.4891% | 3,467 |
| Loan and lease loss provision to assets | 0.5148% | 234 |
| Net operating income to assets | 1.3803% | 1,529 |
| Return on assets (ROA) | 1.3433% | 1,736 |
| Pretax return on assets | 1.5548% | 1,797 |
| Return on Equity (ROE) | 6.3769% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.3769% | 2,182 |
| Net charge-offs to loans | 0.9189% | 161 |
| Credit loss provision to net charge-offs | 177.9116% | 1,441 |
| Earnings coverage of net charge-offs (x) | 7.3012% | 2,760 |
| Efficiency ratio | 51.3384% | 4,649 |
| Assets per employee ($millions) | 5.8007% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 3,221 |
| Loan loss allowance to noncurrent loans | 177.5330% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 3,782 |
| Noncurrent loans to loans | 0.5982% | 2,487 |
| Net loans and leases to total assets | 32.3616% | 5,014 |
| Net loans and leases to deposits | 41.3298% | 4,966 |
| Net loans and leases to core deposits | 42.9673% | 4,982 |
| Total domestic deposits to total assets | 78.3009% | 4,301 |
| Equity capital to assets | 21.4802% | 198 |
| Core capital (leverage) ratio | 14.5264% | 848 |
| Tier 1 risk-based capital ratio | 25.5359% | 734 |
| Total risk-based capital ratio | 26.2086% | 756 |
| Memoranda: | ||
| Average total assets | $114,738,750 | 3,812 |
| Average earning assets | $101,581,250 | 3,886 |
| Average equity | $24,169,750 | 2,793 |
| Average total loans | $36,128,500 | 4,557 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 2,399 |
| Cost of funding earning assets | 0.3959% | 4,527 |
| Net interest margin | 4.2921% | 1,160 |
| Noninterest income to average assets | 1.0183% | 848 |
| Noninterest expense to average assets | 2.4739% | 3,562 |
| Loan and lease loss provision to assets | 0.5161% | 222 |
| Net operating income to assets | 1.6428% | 827 |
| Return on assets (ROA) | 1.6428% | 862 |
| Pretax return on assets | 1.8213% | 986 |
| Return on Equity (ROE) | 7.8513% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.8513% | 1,448 |
| Net charge-offs to loans | 1.1824% | 112 |
| Credit loss provision to net charge-offs | 140.4762% | 1,561 |
| Earnings coverage of net charge-offs (x) | 6.3619% | 2,578 |
| Efficiency ratio | 48.5818% | 4,864 |
| Assets per employee ($millions) | 5.6817% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7781% | 4,518 |
| Loan loss allowance to noncurrent loans | 105.0000% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 3,586 |
| Noncurrent loans to loans | 0.7411% | 2,136 |
| Net loans and leases to total assets | 32.9922% | 5,050 |
| Net loans and leases to deposits | 42.3085% | 4,989 |
| Net loans and leases to core deposits | 42.9783% | 5,022 |
| Total domestic deposits to total assets | 77.9800% | 4,402 |
| Equity capital to assets | 21.7947% | 182 |
| Core capital (leverage) ratio | 16.2136% | 526 |
| Tier 1 risk-based capital ratio | 26.5987% | 651 |
| Total risk-based capital ratio | 27.1183% | 679 |
| Memoranda: | ||
| Average total assets | $114,313,670 | 3,839 |
| Average earning assets | $101,023,330 | 3,916 |
| Average equity | $23,919,670 | 2,803 |
| Average total loans | $35,522,330 | 4,608 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7595% | 2,034 |
| Cost of funding earning assets | 0.2960% | 4,863 |
| Net interest margin | 4.4635% | 797 |
| Noninterest income to average assets | 0.6690% | 1,730 |
| Noninterest expense to average assets | 2.2645% | 4,109 |
| Loan and lease loss provision to assets | 0.2307% | 659 |
| Net operating income to assets | 2.5220% | 152 |
| Return on assets (ROA) | 2.5220% | 162 |
| Pretax return on assets | 2.5220% | 236 |
| Return on Equity (ROE) | 20.3648% | 246 |
| Retained earnings to average equity (ytd only) | 20.3648% | 99 |
| Net charge-offs to loans | -0.3310% | 5,229 |
| Credit loss provision to net charge-offs | -206.8966% | 3,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1341% | 5,063 |
| Assets per employee ($millions) | 5.3105% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9582% | 138 |
| Loan loss allowance to noncurrent loans | 190.4580% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 2,220 |
| Noncurrent loans to loans | 1.5532% | 1,034 |
| Net loans and leases to total assets | 32.4473% | 5,103 |
| Net loans and leases to deposits | 37.4365% | 5,124 |
| Net loans and leases to core deposits | 37.8599% | 5,144 |
| Total domestic deposits to total assets | 86.6728% | 1,975 |
| Equity capital to assets | 13.2261% | 1,333 |
| Core capital (leverage) ratio | 12.3294% | 1,591 |
| Tier 1 risk-based capital ratio | 23.6878% | 866 |
| Total risk-based capital ratio | 24.9434% | 846 |
| Memoranda: | ||
| Average total assets | $104,042,500 | 4,036 |
| Average earning assets | $101,355,000 | 3,953 |
| Average equity | $12,885,000 | 3,964 |
| Average total loans | $35,048,000 | 4,667 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8373% | 1,454 |
| Cost of funding earning assets | 0.2614% | 4,752 |
| Net interest margin | 4.5759% | 639 |
| Noninterest income to average assets | 0.8697% | 1,265 |
| Noninterest expense to average assets | 4.0271% | 515 |
| Loan and lease loss provision to assets | 0.1573% | 1,318 |
| Net operating income to assets | 0.5369% | 4,578 |
| Return on assets (ROA) | -1.5057% | 5,358 |
| Pretax return on assets | -1.0337% | 5,333 |
| Return on Equity (ROE) | -11.6844% | 5,359 |
| Retained earnings to average equity (ytd only) | -11.6844% | 5,334 |
| Net charge-offs to loans | -0.1212% | 5,190 |
| Credit loss provision to net charge-offs | -375.0000% | 4,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5432% | 1,181 |
| Assets per employee ($millions) | 5.1041% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5001% | 236 |
| Loan loss allowance to noncurrent loans | 159.7540% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 2,172 |
| Noncurrent loans to loans | 1.5649% | 947 |
| Net loans and leases to total assets | 33.0733% | 5,144 |
| Net loans and leases to deposits | 37.4186% | 5,166 |
| Net loans and leases to core deposits | 37.8077% | 5,197 |
| Total domestic deposits to total assets | 88.3875% | 1,124 |
| Equity capital to assets | 11.5920% | 2,183 |
| Core capital (leverage) ratio | 11.5394% | 2,072 |
| Tier 1 risk-based capital ratio | 25.3222% | 721 |
| Total risk-based capital ratio | 26.5783% | 705 |
| Memoranda: | ||
| Average total assets | $104,865,400 | 4,019 |
| Average earning assets | $99,084,400 | 3,991 |
| Average equity | $13,513,800 | 3,814 |
| Average total loans | $36,297,800 | 4,647 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1007% | 756 |
| Cost of funding earning assets | 0.2659% | 4,699 |
| Net interest margin | 4.8348% | 353 |
| Noninterest income to average assets | 0.9320% | 1,104 |
| Noninterest expense to average assets | 3.9033% | 588 |
| Loan and lease loss provision to assets | -0.0499% | 5,290 |
| Net operating income to assets | 1.4310% | 1,388 |
| Return on assets (ROA) | 1.4230% | 1,409 |
| Pretax return on assets | 1.6033% | 1,574 |
| Return on Equity (ROE) | 10.7643% | 2,284 |
| Retained earnings to average equity (ytd only) | 10.7643% | 705 |
| Net charge-offs to loans | -0.1433% | 5,240 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4152% | 1,973 |
| Assets per employee ($millions) | 4.5326% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8609% | 646 |
| Loan loss allowance to noncurrent loans | 316.7421% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 3,883 |
| Noncurrent loans to loans | 0.5875% | 2,618 |
| Net loans and leases to total assets | 35.4120% | 5,160 |
| Net loans and leases to deposits | 41.6741% | 5,163 |
| Net loans and leases to core deposits | 46.1290% | 5,106 |
| Total domestic deposits to total assets | 84.9736% | 2,617 |
| Equity capital to assets | 13.2835% | 1,216 |
| Core capital (leverage) ratio | 14.4681% | 830 |
| Tier 1 risk-based capital ratio | 21.0176% | 1,185 |
| Total risk-based capital ratio | 21.9913% | 1,195 |
| Memoranda: | ||
| Average total assets | $104,285,250 | 4,067 |
| Average earning assets | $97,787,750 | 4,049 |
| Average equity | $13,786,000 | 3,805 |
| Average total loans | $36,282,500 | 4,699 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6063% | 1,763 |
| Cost of funding earning assets | 0.2576% | 4,710 |
| Net interest margin | 4.3487% | 939 |
| Noninterest income to average assets | 0.9876% | 982 |
| Noninterest expense to average assets | 3.7374% | 719 |
| Loan and lease loss provision to assets | -0.1055% | 5,428 |
| Net operating income to assets | 1.3829% | 1,499 |
| Return on assets (ROA) | 1.3903% | 1,472 |
| Pretax return on assets | 1.4420% | 2,014 |
| Return on Equity (ROE) | 10.5337% | 2,316 |
| Retained earnings to average equity (ytd only) | 10.5337% | 780 |
| Net charge-offs to loans | -0.3069% | 5,392 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7699% | 1,738 |
| Assets per employee ($millions) | 4.2791% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9640% | 547 |
| Loan loss allowance to noncurrent loans | 170.7317% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 3,139 |
| Noncurrent loans to loans | 1.1503% | 1,516 |
| Net loans and leases to total assets | 34.0237% | 5,237 |
| Net loans and leases to deposits | 40.0092% | 5,244 |
| Net loans and leases to core deposits | 44.3443% | 5,189 |
| Total domestic deposits to total assets | 85.0398% | 2,655 |
| Equity capital to assets | 13.4996% | 1,103 |
| Core capital (leverage) ratio | 14.2939% | 827 |
| Tier 1 risk-based capital ratio | 19.7319% | 1,372 |
| Total risk-based capital ratio | 20.6702% | 1,406 |
| Memoranda: | ||
| Average total assets | $104,297,000 | 4,106 |
| Average earning assets | $97,822,000 | 4,082 |
| Average equity | $13,765,330 | 3,826 |
| Average total loans | $35,837,670 | 4,758 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6155% | 1,522 |
| Cost of funding earning assets | 0.2474% | 4,726 |
| Net interest margin | 4.3681% | 823 |
| Noninterest income to average assets | 0.7840% | 1,503 |
| Noninterest expense to average assets | 3.8898% | 597 |
| Loan and lease loss provision to assets | -0.0457% | 5,457 |
| Net operating income to assets | 0.9667% | 3,001 |
| Return on assets (ROA) | 1.0162% | 2,815 |
| Pretax return on assets | 1.0923% | 3,197 |
| Return on Equity (ROE) | 7.7865% | 3,472 |
| Retained earnings to average equity (ytd only) | 7.7865% | 1,924 |
| Net charge-offs to loans | -0.1336% | 5,296 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6571% | 1,182 |
| Assets per employee ($millions) | 4.2660% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9833% | 564 |
| Loan loss allowance to noncurrent loans | 146.1378% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 2,574 |
| Noncurrent loans to loans | 1.3572% | 1,317 |
| Net loans and leases to total assets | 33.7885% | 5,277 |
| Net loans and leases to deposits | 39.5975% | 5,271 |
| Net loans and leases to core deposits | 43.4931% | 5,226 |
| Total domestic deposits to total assets | 85.3297% | 2,812 |
| Equity capital to assets | 13.1446% | 1,174 |
| Core capital (leverage) ratio | 13.5091% | 1,009 |
| Tier 1 risk-based capital ratio | 19.6783% | 1,399 |
| Total risk-based capital ratio | 20.6440% | 1,422 |
| Memoranda: | ||
| Average total assets | $105,096,000 | 4,142 |
| Average earning assets | $98,625,000 | 4,121 |
| Average equity | $13,716,000 | 3,873 |
| Average total loans | $35,935,500 | 4,801 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 2,096 |
| Cost of funding earning assets | 0.2069% | 4,890 |
| Net interest margin | 4.1692% | 1,254 |
| Noninterest income to average assets | 0.8989% | 1,272 |
| Noninterest expense to average assets | 3.2121% | 1,582 |
| Loan and lease loss provision to assets | 0.2022% | 1,020 |
| Net operating income to assets | 1.3324% | 1,160 |
| Return on assets (ROA) | 1.3790% | 1,078 |
| Pretax return on assets | 1.4621% | 1,770 |
| Return on Equity (ROE) | 10.6090% | 1,633 |
| Retained earnings to average equity (ytd only) | 1.5830% | 4,362 |
| Net charge-offs to loans | 0.5943% | 386 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 7.9866% | 2,968 |
| Efficiency ratio | 66.5482% | 3,158 |
| Assets per employee ($millions) | 4.1465% | 3,746 |
| Cash dividends to net income (ytd only)* | 85.0785% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9138% | 631 |
| Loan loss allowance to noncurrent loans | 121.9512% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5324% | 2,778 |
| Noncurrent loans to loans | 1.5693% | 1,075 |
| Net loans and leases to total assets | 33.2786% | 5,363 |
| Net loans and leases to deposits | 39.8655% | 5,342 |
| Net loans and leases to core deposits | 43.6126% | 5,304 |
| Total domestic deposits to total assets | 83.4771% | 3,390 |
| Equity capital to assets | 12.9619% | 1,284 |
| Core capital (leverage) ratio | 12.6738% | 1,274 |
| Tier 1 risk-based capital ratio | 18.7701% | 1,567 |
| Total risk-based capital ratio | 19.7104% | 1,616 |
| Memoranda: | ||
| Average total assets | $110,801,000 | 4,046 |
| Average earning assets | $104,384,200 | 4,016 |
| Average equity | $14,402,800 | 3,794 |
| Average total loans | $37,694,200 | 4,801 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3277% | 2,186 |
| Cost of funding earning assets | 0.1978% | 4,996 |
| Net interest margin | 4.1299% | 1,319 |
| Noninterest income to average assets | 0.9419% | 1,162 |
| Noninterest expense to average assets | 3.5081% | 981 |
| Loan and lease loss provision to assets | 0.0347% | 3,424 |
| Net operating income to assets | 1.2528% | 1,503 |
| Return on assets (ROA) | 1.2574% | 1,509 |
| Pretax return on assets | 1.2969% | 2,512 |
| Return on Equity (ROE) | 9.6666% | 2,275 |
| Retained earnings to average equity (ytd only) | 6.1565% | 2,141 |
| Net charge-offs to loans | -0.1756% | 5,504 |
| Credit loss provision to net charge-offs | -58.0000% | 4,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5587% | 2,125 |
| Assets per employee ($millions) | 4.4918% | 3,163 |
| Cash dividends to net income (ytd only)* | 36.3118% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0653% | 504 |
| Loan loss allowance to noncurrent loans | 94.0821% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.7374% | 2,290 |
| Noncurrent loans to loans | 2.1952% | 743 |
| Net loans and leases to total assets | 32.8949% | 5,435 |
| Net loans and leases to deposits | 39.6524% | 5,431 |
| Net loans and leases to core deposits | 43.3673% | 5,379 |
| Total domestic deposits to total assets | 82.9581% | 3,466 |
| Equity capital to assets | 13.5466% | 1,136 |
| Core capital (leverage) ratio | 12.9961% | 1,210 |
| Tier 1 risk-based capital ratio | 18.7494% | 1,662 |
| Total risk-based capital ratio | 19.7611% | 1,680 |
| Memoranda: | ||
| Average total assets | $111,549,250 | 4,075 |
| Average earning assets | $105,149,750 | 4,047 |
| Average equity | $14,510,000 | 3,818 |
| Average total loans | $37,973,500 | 4,841 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2941% | 2,154 |
| Cost of funding earning assets | 0.1890% | 5,074 |
| Net interest margin | 4.1051% | 1,310 |
| Noninterest income to average assets | 1.0350% | 950 |
| Noninterest expense to average assets | 3.5489% | 939 |
| Loan and lease loss provision to assets | 0.0521% | 2,942 |
| Net operating income to assets | 1.2867% | 1,334 |
| Return on assets (ROA) | 1.2938% | 1,338 |
| Pretax return on assets | 1.3046% | 2,365 |
| Return on Equity (ROE) | 10.0869% | 2,001 |
| Retained earnings to average equity (ytd only) | 4.7352% | 2,896 |
| Net charge-offs to loans | -0.2733% | 5,626 |
| Credit loss provision to net charge-offs | -55.7692% | 4,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4505% | 2,271 |
| Assets per employee ($millions) | 4.3360% | 3,370 |
| Cash dividends to net income (ytd only)* | 53.0556% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1089% | 504 |
| Loan loss allowance to noncurrent loans | 111.4123% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 2,705 |
| Noncurrent loans to loans | 1.8929% | 921 |
| Net loans and leases to total assets | 32.1568% | 5,498 |
| Net loans and leases to deposits | 37.8366% | 5,510 |
| Net loans and leases to core deposits | 41.2719% | 5,463 |
| Total domestic deposits to total assets | 84.9887% | 2,816 |
| Equity capital to assets | 13.1885% | 1,285 |
| Core capital (leverage) ratio | 12.7978% | 1,259 |
| Tier 1 risk-based capital ratio | 18.5509% | 1,702 |
| Total risk-based capital ratio | 19.5779% | 1,726 |
| Memoranda: | ||
| Average total assets | $111,301,000 | 4,111 |
| Average earning assets | $104,748,670 | 4,080 |
| Average equity | $14,276,000 | 3,858 |
| Average total loans | $38,058,670 | 4,875 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2865% | 1,994 |
| Cost of funding earning assets | 0.1849% | 5,116 |
| Net interest margin | 4.1017% | 1,211 |
| Noninterest income to average assets | 0.7994% | 1,554 |
| Noninterest expense to average assets | 3.5303% | 1,002 |
| Loan and lease loss provision to assets | 0.1049% | 1,823 |
| Net operating income to assets | 1.1647% | 1,615 |
| Return on assets (ROA) | 1.1647% | 1,655 |
| Pretax return on assets | 1.0164% | 3,296 |
| Return on Equity (ROE) | 8.9438% | 2,448 |
| Retained earnings to average equity (ytd only) | -14.4434% | 5,661 |
| Net charge-offs to loans | -0.1244% | 5,514 |
| Credit loss provision to net charge-offs | -241.6667% | 4,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8942% | 1,923 |
| Assets per employee ($millions) | 4.4524% | 3,251 |
| Cash dividends to net income (ytd only)* | 261.4907% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9454% | 738 |
| Loan loss allowance to noncurrent loans | 56.8252% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 1.1715% | 1,503 |
| Noncurrent loans to loans | 3.4235% | 365 |
| Net loans and leases to total assets | 33.5540% | 5,482 |
| Net loans and leases to deposits | 40.2225% | 5,466 |
| Net loans and leases to core deposits | 43.7819% | 5,415 |
| Total domestic deposits to total assets | 83.4211% | 3,689 |
| Equity capital to assets | 12.8488% | 1,328 |
| Core capital (leverage) ratio | 12.6184% | 1,281 |
| Tier 1 risk-based capital ratio | 17.8250% | 1,933 |
| Total risk-based capital ratio | 18.7864% | 1,974 |
| Memoranda: | ||
| Average total assets | $110,584,000 | 4,163 |
| Average earning assets | $103,860,500 | 4,135 |
| Average equity | $14,401,000 | 3,864 |
| Average total loans | $38,571,500 | 4,902 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1747% | 2,568 |
| Cost of funding earning assets | 0.1932% | 5,087 |
| Net interest margin | 3.9815% | 1,687 |
| Noninterest income to average assets | 0.7123% | 2,119 |
| Noninterest expense to average assets | 3.0763% | 2,104 |
| Loan and lease loss provision to assets | 0.0749% | 2,854 |
| Net operating income to assets | 1.2399% | 1,379 |
| Return on assets (ROA) | 1.3723% | 1,108 |
| Pretax return on assets | 1.4498% | 1,753 |
| Return on Equity (ROE) | 10.6311% | 1,717 |
| Retained earnings to average equity (ytd only) | 8.0475% | 845 |
| Net charge-offs to loans | 0.2187% | 1,265 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,967 |
| Efficiency ratio | 68.9500% | 3,085 |
| Assets per employee ($millions) | 4.5774% | 3,005 |
| Cash dividends to net income (ytd only)* | 24.3020% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7924% | 960 |
| Loan loss allowance to noncurrent loans | 55.1181% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 1.1560% | 1,586 |
| Noncurrent loans to loans | 3.2520% | 385 |
| Net loans and leases to total assets | 34.9114% | 5,521 |
| Net loans and leases to deposits | 41.1015% | 5,516 |
| Net loans and leases to core deposits | 45.1079% | 5,463 |
| Total domestic deposits to total assets | 84.9396% | 3,080 |
| Equity capital to assets | 13.1989% | 1,173 |
| Core capital (leverage) ratio | 13.3805% | 1,010 |
| Tier 1 risk-based capital ratio | 19.0382% | 1,589 |
| Total risk-based capital ratio | 19.9458% | 1,646 |
| Memoranda: | ||
| Average total assets | $114,845,000 | 4,081 |
| Average earning assets | $108,150,800 | 4,039 |
| Average equity | $14,824,400 | 3,831 |
| Average total loans | $39,329,400 | 4,898 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1468% | 2,694 |
| Cost of funding earning assets | 0.1924% | 5,148 |
| Net interest margin | 3.9544% | 1,797 |
| Noninterest income to average assets | 0.7178% | 2,091 |
| Noninterest expense to average assets | 3.1825% | 1,821 |
| Loan and lease loss provision to assets | 0.0276% | 3,687 |
| Net operating income to assets | 1.2031% | 1,642 |
| Return on assets (ROA) | 1.2622% | 1,508 |
| Pretax return on assets | 1.2989% | 2,434 |
| Return on Equity (ROE) | 9.8306% | 2,127 |
| Retained earnings to average equity (ytd only) | 6.4046% | 1,960 |
| Net charge-offs to loans | -0.0711% | 5,470 |
| Credit loss provision to net charge-offs | -114.2857% | 4,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5466% | 2,640 |
| Assets per employee ($millions) | 4.6124% | 2,906 |
| Cash dividends to net income (ytd only)* | 34.8495% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 909 |
| Loan loss allowance to noncurrent loans | 71.6346% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 0.9019% | 2,302 |
| Noncurrent loans to loans | 2.6007% | 654 |
| Net loans and leases to total assets | 34.0346% | 5,622 |
| Net loans and leases to deposits | 42.5070% | 5,567 |
| Net loans and leases to core deposits | 46.6936% | 5,487 |
| Total domestic deposits to total assets | 80.0683% | 4,500 |
| Equity capital to assets | 13.2253% | 1,383 |
| Core capital (leverage) ratio | 12.7669% | 1,286 |
| Tier 1 risk-based capital ratio | 18.0044% | 1,918 |
| Total risk-based capital ratio | 18.9534% | 1,965 |
| Memoranda: | ||
| Average total assets | $116,091,750 | 4,089 |
| Average earning assets | $109,512,000 | 4,042 |
| Average equity | $14,905,500 | 3,852 |
| Average total loans | $39,398,500 | 4,943 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1617% | 2,632 |
| Cost of funding earning assets | 0.1914% | 5,229 |
| Net interest margin | 3.9703% | 1,740 |
| Noninterest income to average assets | 0.7065% | 2,117 |
| Noninterest expense to average assets | 3.1697% | 1,890 |
| Loan and lease loss provision to assets | 0.0430% | 3,290 |
| Net operating income to assets | 1.2137% | 1,550 |
| Return on assets (ROA) | 1.3029% | 1,366 |
| Pretax return on assets | 1.3287% | 2,293 |
| Return on Equity (ROE) | 10.2497% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.2497% | 554 |
| Net charge-offs to loans | 0.0102% | 3,352 |
| Credit loss provision to net charge-offs | 1,250.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 372.5000% | 187 |
| Efficiency ratio | 71.2244% | 2,784 |
| Assets per employee ($millions) | 4.5469% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8448% | 991 |
| Loan loss allowance to noncurrent loans | 130.7414% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 3,588 |
| Noncurrent loans to loans | 1.4110% | 1,577 |
| Net loans and leases to total assets | 33.8418% | 5,683 |
| Net loans and leases to deposits | 41.3156% | 5,645 |
| Net loans and leases to core deposits | 45.3361% | 5,584 |
| Total domestic deposits to total assets | 81.9104% | 4,020 |
| Equity capital to assets | 13.6629% | 1,157 |
| Core capital (leverage) ratio | 12.2970% | 1,460 |
| Tier 1 risk-based capital ratio | 17.8789% | 1,967 |
| Total risk-based capital ratio | 18.7908% | 2,025 |
| Memoranda: | ||
| Average total assets | $116,352,670 | 4,118 |
| Average earning assets | $109,715,000 | 4,063 |
| Average equity | $14,790,670 | 3,890 |
| Average total loans | $39,201,330 | 4,995 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1389% | 2,692 |
| Cost of funding earning assets | 0.1767% | 5,406 |
| Net interest margin | 3.9622% | 1,734 |
| Noninterest income to average assets | 0.7035% | 2,027 |
| Noninterest expense to average assets | 3.2899% | 1,628 |
| Loan and lease loss provision to assets | 0.0918% | 2,149 |
| Net operating income to assets | 0.8798% | 2,856 |
| Return on assets (ROA) | 0.8939% | 2,913 |
| Pretax return on assets | 1.0740% | 3,189 |
| Return on Equity (ROE) | 7.2952% | 3,291 |
| Retained earnings to average equity (ytd only) | 7.2952% | 1,749 |
| Net charge-offs to loans | 0.2755% | 771 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 12.5185% | 1,788 |
| Efficiency ratio | 74.1194% | 2,458 |
| Assets per employee ($millions) | 4.6614% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7954% | 1,160 |
| Loan loss allowance to noncurrent loans | 93.9597% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 3,140 |
| Noncurrent loans to loans | 1.9108% | 1,139 |
| Net loans and leases to total assets | 32.8554% | 5,761 |
| Net loans and leases to deposits | 38.3593% | 5,766 |
| Net loans and leases to core deposits | 41.8156% | 5,721 |
| Total domestic deposits to total assets | 85.6515% | 2,832 |
| Equity capital to assets | 12.5636% | 1,642 |
| Core capital (leverage) ratio | 11.6489% | 1,866 |
| Tier 1 risk-based capital ratio | 17.4918% | 2,125 |
| Total risk-based capital ratio | 18.3869% | 2,207 |
| Memoranda: | ||
| Average total assets | $117,692,500 | 4,127 |
| Average earning assets | $110,947,500 | 4,072 |
| Average equity | $14,420,500 | 3,945 |
| Average total loans | $39,206,000 | 5,037 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 2,538 |
| Cost of funding earning assets | 0.1780% | 5,479 |
| Net interest margin | 4.0286% | 1,621 |
| Noninterest income to average assets | 0.8180% | 1,716 |
| Noninterest expense to average assets | 2.8193% | 3,153 |
| Loan and lease loss provision to assets | 0.2494% | 762 |
| Net operating income to assets | 1.2903% | 1,293 |
| Return on assets (ROA) | 1.2986% | 1,316 |
| Pretax return on assets | 1.5481% | 1,415 |
| Return on Equity (ROE) | 11.1075% | 1,579 |
| Retained earnings to average equity (ytd only) | 3.5158% | 3,561 |
| Net charge-offs to loans | 0.7193% | 333 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 7.1661% | 3,111 |
| Efficiency ratio | 61.1981% | 4,732 |
| Assets per employee ($millions) | 4.7540% | 2,665 |
| Cash dividends to net income (ytd only)* | 68.3472% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7756% | 1,182 |
| Loan loss allowance to noncurrent loans | 76.5864% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7690% | 2,757 |
| Noncurrent loans to loans | 2.3184% | 829 |
| Net loans and leases to total assets | 32.5822% | 5,822 |
| Net loans and leases to deposits | 37.9617% | 5,840 |
| Net loans and leases to core deposits | 41.3365% | 5,783 |
| Total domestic deposits to total assets | 85.8292% | 2,722 |
| Equity capital to assets | 11.9478% | 1,991 |
| Core capital (leverage) ratio | 11.4898% | 1,968 |
| Tier 1 risk-based capital ratio | 16.8213% | 2,354 |
| Total risk-based capital ratio | 17.6988% | 2,462 |
| Memoranda: | ||
| Average total assets | $120,666,600 | 4,058 |
| Average earning assets | $113,488,800 | 4,011 |
| Average equity | $14,107,600 | 3,954 |
| Average total loans | $41,845,200 | 4,938 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 2,491 |
| Cost of funding earning assets | 0.1792% | 5,560 |
| Net interest margin | 4.0494% | 1,563 |
| Noninterest income to average assets | 0.7992% | 1,809 |
| Noninterest expense to average assets | 2.8269% | 3,083 |
| Loan and lease loss provision to assets | 0.3126% | 454 |
| Net operating income to assets | 1.2302% | 1,554 |
| Return on assets (ROA) | 1.2274% | 1,619 |
| Pretax return on assets | 1.4630% | 1,787 |
| Return on Equity (ROE) | 10.5551% | 1,881 |
| Retained earnings to average equity (ytd only) | 7.6583% | 1,386 |
| Net charge-offs to loans | 0.1696% | 1,466 |
| Credit loss provision to net charge-offs | 525.9259% | 628 |
| Earnings coverage of net charge-offs (x) | 29.9251% | 1,500 |
| Efficiency ratio | 61.3767% | 4,665 |
| Assets per employee ($millions) | 4.7648% | 2,604 |
| Cash dividends to net income (ytd only)* | 27.4440% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2911% | 579 |
| Loan loss allowance to noncurrent loans | 93.3735% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.8361% | 2,783 |
| Noncurrent loans to loans | 2.4537% | 833 |
| Net loans and leases to total assets | 33.2953% | 5,888 |
| Net loans and leases to deposits | 39.0257% | 5,900 |
| Net loans and leases to core deposits | 42.4341% | 5,843 |
| Total domestic deposits to total assets | 85.3164% | 2,878 |
| Equity capital to assets | 12.2122% | 1,946 |
| Core capital (leverage) ratio | 11.5582% | 1,992 |
| Tier 1 risk-based capital ratio | 17.2331% | 2,281 |
| Total risk-based capital ratio | 18.4003% | 2,266 |
| Memoranda: | ||
| Average total assets | $121,120,750 | 4,097 |
| Average earning assets | $113,856,500 | 4,047 |
| Average equity | $14,084,500 | 3,999 |
| Average total loans | $42,450,500 | 4,975 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2147% | 2,497 |
| Cost of funding earning assets | 0.1785% | 5,624 |
| Net interest margin | 4.0361% | 1,530 |
| Noninterest income to average assets | 0.7866% | 1,839 |
| Noninterest expense to average assets | 2.8476% | 3,076 |
| Loan and lease loss provision to assets | 0.3350% | 408 |
| Net operating income to assets | 1.1672% | 1,710 |
| Return on assets (ROA) | 1.1824% | 1,725 |
| Pretax return on assets | 1.4090% | 1,944 |
| Return on Equity (ROE) | 10.3372% | 1,920 |
| Retained earnings to average equity (ytd only) | 5.9439% | 2,276 |
| Net charge-offs to loans | 0.2508% | 1,035 |
| Credit loss provision to net charge-offs | 377.7778% | 776 |
| Earnings coverage of net charge-offs (x) | 19.4630% | 1,748 |
| Efficiency ratio | 62.2621% | 4,641 |
| Assets per employee ($millions) | 4.6451% | 2,752 |
| Cash dividends to net income (ytd only)* | 42.5000% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0707% | 893 |
| Loan loss allowance to noncurrent loans | 86.0324% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 2,931 |
| Noncurrent loans to loans | 2.4069% | 947 |
| Net loans and leases to total assets | 33.2839% | 5,929 |
| Net loans and leases to deposits | 38.2685% | 5,968 |
| Net loans and leases to core deposits | 41.4909% | 5,919 |
| Total domestic deposits to total assets | 86.9747% | 2,182 |
| Equity capital to assets | 11.4794% | 2,436 |
| Core capital (leverage) ratio | 11.0066% | 2,414 |
| Tier 1 risk-based capital ratio | 17.1754% | 2,341 |
| Total risk-based capital ratio | 18.9516% | 2,104 |
| Memoranda: | ||
| Average total assets | $121,788,000 | 4,123 |
| Average earning assets | $114,267,670 | 4,069 |
| Average equity | $13,930,330 | 4,053 |
| Average total loans | $43,070,330 | 4,988 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1651% | 2,582 |
| Cost of funding earning assets | 0.1779% | 5,694 |
| Net interest margin | 3.9872% | 1,602 |
| Noninterest income to average assets | 0.7784% | 1,793 |
| Noninterest expense to average assets | 2.9371% | 2,784 |
| Loan and lease loss provision to assets | 0.4121% | 274 |
| Net operating income to assets | 0.9899% | 2,313 |
| Return on assets (ROA) | 1.0205% | 2,308 |
| Pretax return on assets | 1.2036% | 2,650 |
| Return on Equity (ROE) | 8.9376% | 2,474 |
| Retained earnings to average equity (ytd only) | 8.9376% | 1,219 |
| Net charge-offs to loans | 0.2359% | 1,009 |
| Credit loss provision to net charge-offs | 484.6154% | 570 |
| Earnings coverage of net charge-offs (x) | 18.5769% | 1,483 |
| Efficiency ratio | 65.0253% | 4,315 |
| Assets per employee ($millions) | 4.7534% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8603% | 1,370 |
| Loan loss allowance to noncurrent loans | 77.5194% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 0.8350% | 2,996 |
| Noncurrent loans to loans | 2.3998% | 1,026 |
| Net loans and leases to total assets | 34.1479% | 5,921 |
| Net loans and leases to deposits | 39.3589% | 5,937 |
| Net loans and leases to core deposits | 42.5794% | 5,885 |
| Total domestic deposits to total assets | 86.7601% | 2,519 |
| Equity capital to assets | 11.5342% | 2,437 |
| Core capital (leverage) ratio | 11.0558% | 2,359 |
| Tier 1 risk-based capital ratio | 16.9192% | 2,510 |
| Total risk-based capital ratio | 16.9192% | 3,014 |
| Memoranda: | ||
| Average total assets | $122,295,500 | 4,140 |
| Average earning assets | $114,666,000 | 4,086 |
| Average equity | $13,963,500 | 4,079 |
| Average total loans | $44,081,500 | 4,982 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5412% | 1,724 |
| Cost of funding earning assets | 0.2012% | 5,734 |
| Net interest margin | 4.3400% | 979 |
| Noninterest income to average assets | 0.8863% | 1,549 |
| Noninterest expense to average assets | 2.9766% | 2,915 |
| Loan and lease loss provision to assets | -0.0017% | 5,885 |
| Net operating income to assets | 1.5830% | 732 |
| Return on assets (ROA) | 1.5836% | 766 |
| Pretax return on assets | 1.9718% | 539 |
| Return on Equity (ROE) | 14.2736% | 884 |
| Retained earnings to average equity (ytd only) | 5.2930% | 2,406 |
| Net charge-offs to loans | -0.0043% | 5,448 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1835% | 5,199 |
| Assets per employee ($millions) | 4.6539% | 2,790 |
| Cash dividends to net income (ytd only)* | 62.9178% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 2,255 |
| Loan loss allowance to noncurrent loans | 70.9939% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 0.8149% | 3,168 |
| Noncurrent loans to loans | 2.1833% | 1,222 |
| Net loans and leases to total assets | 36.7432% | 5,911 |
| Net loans and leases to deposits | 42.4902% | 5,950 |
| Net loans and leases to core deposits | 46.1908% | 5,885 |
| Total domestic deposits to total assets | 86.4746% | 2,582 |
| Equity capital to assets | 11.2990% | 2,603 |
| Core capital (leverage) ratio | 10.8527% | 2,555 |
| Tier 1 risk-based capital ratio | 15.8794% | 3,020 |
| Total risk-based capital ratio | 16.7396% | 3,165 |
| Memoranda: | ||
| Average total assets | $119,029,800 | 4,202 |
| Average earning assets | $111,336,600 | 4,152 |
| Average equity | $13,206,200 | 4,152 |
| Average total loans | $46,818,800 | 4,921 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5451% | 1,714 |
| Cost of funding earning assets | 0.2056% | 5,776 |
| Net interest margin | 4.3395% | 974 |
| Noninterest income to average assets | 0.8830% | 1,580 |
| Noninterest expense to average assets | 2.9492% | 2,962 |
| Loan and lease loss provision to assets | 0.0079% | 4,261 |
| Net operating income to assets | 1.5356% | 870 |
| Return on assets (ROA) | 1.5365% | 904 |
| Pretax return on assets | 1.9864% | 588 |
| Return on Equity (ROE) | 13.9139% | 1,002 |
| Retained earnings to average equity (ytd only) | 9.6358% | 799 |
| Net charge-offs to loans | -0.2625% | 6,360 |
| Credit loss provision to net charge-offs | -7.5269% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6723% | 5,227 |
| Assets per employee ($millions) | 4.4777% | 3,012 |
| Cash dividends to net income (ytd only)* | 30.7469% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7007% | 1,969 |
| Loan loss allowance to noncurrent loans | 202.5316% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 4,965 |
| Noncurrent loans to loans | 0.8397% | 3,472 |
| Net loans and leases to total assets | 38.2471% | 5,929 |
| Net loans and leases to deposits | 44.1200% | 5,965 |
| Net loans and leases to core deposits | 47.9529% | 5,884 |
| Total domestic deposits to total assets | 86.6888% | 2,482 |
| Equity capital to assets | 11.5668% | 2,418 |
| Core capital (leverage) ratio | 10.9883% | 2,499 |
| Tier 1 risk-based capital ratio | 16.1654% | 2,975 |
| Total risk-based capital ratio | 17.1475% | 3,051 |
| Memoranda: | ||
| Average total assets | $118,536,750 | 4,249 |
| Average earning assets | $110,886,000 | 4,194 |
| Average equity | $13,089,750 | 4,201 |
| Average total loans | $47,233,500 | 4,963 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5544% | 1,658 |
| Cost of funding earning assets | 0.2090% | 5,838 |
| Net interest margin | 4.3454% | 943 |
| Noninterest income to average assets | 0.8849% | 1,540 |
| Noninterest expense to average assets | 2.9826% | 2,897 |
| Loan and lease loss provision to assets | 0.0510% | 3,286 |
| Net operating income to assets | 1.4756% | 917 |
| Return on assets (ROA) | 1.4743% | 955 |
| Pretax return on assets | 1.9108% | 671 |
| Return on Equity (ROE) | 13.5713% | 1,040 |
| Retained earnings to average equity (ytd only) | 7.0046% | 1,771 |
| Net charge-offs to loans | -0.0042% | 5,148 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3022% | 5,250 |
| Assets per employee ($millions) | 4.4105% | 3,072 |
| Cash dividends to net income (ytd only)* | 48.3871% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 2,570 |
| Loan loss allowance to noncurrent loans | 157.5431% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 4,848 |
| Noncurrent loans to loans | 0.9983% | 3,239 |
| Net loans and leases to total assets | 38.4149% | 5,931 |
| Net loans and leases to deposits | 44.0942% | 5,978 |
| Net loans and leases to core deposits | 48.2772% | 5,890 |
| Total domestic deposits to total assets | 87.1200% | 2,389 |
| Equity capital to assets | 11.2139% | 2,687 |
| Core capital (leverage) ratio | 10.8004% | 2,620 |
| Tier 1 risk-based capital ratio | 15.9203% | 3,138 |
| Total risk-based capital ratio | 16.8388% | 3,259 |
| Memoranda: | ||
| Average total assets | $117,749,670 | 4,291 |
| Average earning assets | $110,046,670 | 4,243 |
| Average equity | $12,791,670 | 4,269 |
| Average total loans | $47,298,000 | 4,990 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 1,597 |
| Cost of funding earning assets | 0.2120% | 5,902 |
| Net interest margin | 4.3539% | 889 |
| Noninterest income to average assets | 0.9019% | 1,391 |
| Noninterest expense to average assets | 2.9688% | 2,983 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.5503% | 733 |
| Return on assets (ROA) | 1.5476% | 771 |
| Pretax return on assets | 1.9986% | 533 |
| Return on Equity (ROE) | 14.4838% | 862 |
| Retained earnings to average equity (ytd only) | 14.4838% | 361 |
| Net charge-offs to loans | -0.0335% | 5,627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7251% | 5,437 |
| Assets per employee ($millions) | 4.4132% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 3,232 |
| Loan loss allowance to noncurrent loans | 145.7557% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 4,928 |
| Noncurrent loans to loans | 1.0155% | 3,390 |
| Net loans and leases to total assets | 39.3271% | 5,855 |
| Net loans and leases to deposits | 44.7621% | 5,931 |
| Net loans and leases to core deposits | 48.8349% | 5,834 |
| Total domestic deposits to total assets | 87.8580% | 2,308 |
| Equity capital to assets | 10.8537% | 2,872 |
| Core capital (leverage) ratio | 10.8875% | 2,501 |
| Tier 1 risk-based capital ratio | 15.9230% | 3,204 |
| Total risk-based capital ratio | 16.8074% | 3,372 |
| Memoranda: | ||
| Average total assets | $117,082,500 | 4,337 |
| Average earning assets | $109,419,000 | 4,291 |
| Average equity | $12,510,500 | 4,344 |
| Average total loans | $47,708,500 | 5,023 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8369% | 1,235 |
| Cost of funding earning assets | 0.2299% | 6,104 |
| Net interest margin | 4.6070% | 603 |
| Noninterest income to average assets | 0.9283% | 1,585 |
| Noninterest expense to average assets | 2.8978% | 3,375 |
| Loan and lease loss provision to assets | -0.1130% | 6,503 |
| Net operating income to assets | 2.0028% | 340 |
| Return on assets (ROA) | 2.0028% | 341 |
| Pretax return on assets | 2.4424% | 217 |
| Return on Equity (ROE) | 18.5344% | 374 |
| Retained earnings to average equity (ytd only) | 7.6828% | 1,159 |
| Net charge-offs to loans | -0.2771% | 6,662 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0343% | 6,047 |
| Assets per employee ($millions) | 4.4234% | 3,045 |
| Cash dividends to net income (ytd only)* | 58.5483% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4628% | 3,362 |
| Loan loss allowance to noncurrent loans | 60.6061% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 1.0043% | 3,408 |
| Noncurrent loans to loans | 2.4137% | 1,582 |
| Net loans and leases to total assets | 40.9989% | 5,895 |
| Net loans and leases to deposits | 46.7411% | 5,964 |
| Net loans and leases to core deposits | 50.8180% | 5,886 |
| Total domestic deposits to total assets | 87.7148% | 2,356 |
| Equity capital to assets | 10.5106% | 3,143 |
| Core capital (leverage) ratio | 10.4829% | 2,938 |
| Tier 1 risk-based capital ratio | 15.3263% | 3,468 |
| Total risk-based capital ratio | 16.2040% | 3,642 |
| Memoranda: | ||
| Average total assets | $114,189,400 | 4,405 |
| Average earning assets | $106,554,800 | 4,349 |
| Average equity | $12,339,200 | 4,387 |
| Average total loans | $46,550,400 | 5,090 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8483% | 1,244 |
| Cost of funding earning assets | 0.2345% | 6,195 |
| Net interest margin | 4.6138% | 606 |
| Noninterest income to average assets | 0.8948% | 1,773 |
| Noninterest expense to average assets | 3.0155% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6938% | 629 |
| Return on assets (ROA) | 1.6938% | 657 |
| Pretax return on assets | 2.1827% | 404 |
| Return on Equity (ROE) | 15.5670% | 702 |
| Retained earnings to average equity (ytd only) | 11.0410% | 570 |
| Net charge-offs to loans | -0.3750% | 6,753 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4707% | 5,749 |
| Assets per employee ($millions) | 4.4368% | 2,982 |
| Cash dividends to net income (ytd only)* | 29.0746% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 2,475 |
| Loan loss allowance to noncurrent loans | 258.5670% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 5,607 |
| Noncurrent loans to loans | 0.6745% | 4,517 |
| Net loans and leases to total assets | 40.5359% | 5,994 |
| Net loans and leases to deposits | 46.1345% | 6,089 |
| Net loans and leases to core deposits | 50.2266% | 6,000 |
| Total domestic deposits to total assets | 87.8646% | 2,212 |
| Equity capital to assets | 10.6834% | 3,088 |
| Core capital (leverage) ratio | 10.6805% | 2,808 |
| Tier 1 risk-based capital ratio | 15.4363% | 3,503 |
| Total risk-based capital ratio | 16.4778% | 3,561 |
| Memoranda: | ||
| Average total assets | $113,984,750 | 4,451 |
| Average earning assets | $106,315,500 | 4,396 |
| Average equity | $12,402,000 | 4,414 |
| Average total loans | $46,225,000 | 5,151 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 1,151 |
| Cost of funding earning assets | 0.2398% | 6,243 |
| Net interest margin | 4.6372% | 563 |
| Noninterest income to average assets | 0.8808% | 1,883 |
| Noninterest expense to average assets | 2.9385% | 3,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7582% | 562 |
| Return on assets (ROA) | 1.7582% | 605 |
| Pretax return on assets | 2.2691% | 367 |
| Return on Equity (ROE) | 16.0605% | 659 |
| Retained earnings to average equity (ytd only) | 9.2855% | 1,032 |
| Net charge-offs to loans | -0.3671% | 6,787 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7172% | 5,996 |
| Assets per employee ($millions) | 4.1776% | 3,416 |
| Cash dividends to net income (ytd only)* | 42.1844% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6614% | 2,930 |
| Loan loss allowance to noncurrent loans | 312.3506% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 5,820 |
| Noncurrent loans to loans | 0.5319% | 4,934 |
| Net loans and leases to total assets | 41.1419% | 5,957 |
| Net loans and leases to deposits | 46.6519% | 6,066 |
| Net loans and leases to core deposits | 51.0096% | 5,961 |
| Total domestic deposits to total assets | 88.1892% | 2,117 |
| Equity capital to assets | 10.4818% | 3,325 |
| Core capital (leverage) ratio | 10.4837% | 2,892 |
| Tier 1 risk-based capital ratio | 15.1573% | 3,673 |
| Total risk-based capital ratio | 16.1603% | 3,802 |
| Memoranda: | ||
| Average total assets | $113,527,330 | 4,496 |
| Average earning assets | $105,927,000 | 4,437 |
| Average equity | $12,428,000 | 4,436 |
| Average total loans | $45,769,670 | 5,198 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8494% | 1,200 |
| Cost of funding earning assets | 0.2481% | 6,301 |
| Net interest margin | 4.6013% | 557 |
| Noninterest income to average assets | 0.8605% | 1,898 |
| Noninterest expense to average assets | 3.0379% | 2,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6401% | 660 |
| Return on assets (ROA) | 1.6401% | 722 |
| Pretax return on assets | 2.1213% | 471 |
| Return on Equity (ROE) | 14.6734% | 828 |
| Retained earnings to average equity (ytd only) | 14.6734% | 378 |
| Net charge-offs to loans | -0.7989% | 6,912 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2029% | 5,825 |
| Assets per employee ($millions) | 4.2896% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7230% | 2,911 |
| Loan loss allowance to noncurrent loans | 160.5691% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.4248% | 5,335 |
| Noncurrent loans to loans | 1.0731% | 4,004 |
| Net loans and leases to total assets | 38.9047% | 6,087 |
| Net loans and leases to deposits | 44.7293% | 6,142 |
| Net loans and leases to core deposits | 48.3025% | 6,080 |
| Total domestic deposits to total assets | 86.9780% | 2,973 |
| Equity capital to assets | 11.1173% | 2,829 |
| Core capital (leverage) ratio | 10.5520% | 2,703 |
| Tier 1 risk-based capital ratio | 15.5392% | 3,508 |
| Total risk-based capital ratio | 16.5861% | 3,585 |
| Memoranda: | ||
| Average total assets | $113,893,500 | 4,530 |
| Average earning assets | $106,405,000 | 4,464 |
| Average equity | $12,730,500 | 4,428 |
| Average total loans | $45,059,500 | 5,248 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 1,730 |
| Cost of funding earning assets | 0.2929% | 6,490 |
| Net interest margin | 4.6423% | 726 |
| Noninterest income to average assets | 1.1100% | 1,257 |
| Noninterest expense to average assets | 3.1693% | 2,715 |
| Loan and lease loss provision to assets | 0.0076% | 5,825 |
| Net operating income to assets | 2.0262% | 342 |
| Return on assets (ROA) | 1.8738% | 497 |
| Pretax return on assets | 2.0755% | 518 |
| Return on Equity (ROE) | 15.5150% | 731 |
| Retained earnings to average equity (ytd only) | 0.5119% | 5,592 |
| Net charge-offs to loans | 0.0557% | 5,154 |
| Credit loss provision to net charge-offs | 34.7826% | 5,025 |
| Earnings coverage of net charge-offs (x) | 102.9565% | 375 |
| Efficiency ratio | 57.6491% | 5,879 |
| Assets per employee ($millions) | 4.3065% | 3,343 |
| Cash dividends to net income (ytd only)* | 96.7005% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 3,400 |
| Loan loss allowance to noncurrent loans | 119.4539% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.5234% | 5,170 |
| Noncurrent loans to loans | 1.3237% | 3,628 |
| Net loans and leases to total assets | 38.9129% | 6,234 |
| Net loans and leases to deposits | 44.7464% | 6,325 |
| Net loans and leases to core deposits | 48.2369% | 6,252 |
| Total domestic deposits to total assets | 86.9632% | 2,859 |
| Equity capital to assets | 11.2398% | 2,696 |
| Core capital (leverage) ratio | 10.2711% | 3,048 |
| Tier 1 risk-based capital ratio | 15.3253% | 3,526 |
| Total risk-based capital ratio | 16.2789% | 3,655 |
| Memoranda: | ||
| Average total assets | $105,133,800 | 4,707 |
| Average earning assets | $97,644,800 | 4,651 |
| Average equity | $12,697,400 | 4,418 |
| Average total loans | $41,326,000 | 5,450 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9287% | 1,906 |
| Cost of funding earning assets | 0.3013% | 6,611 |
| Net interest margin | 4.6274% | 778 |
| Noninterest income to average assets | 1.0352% | 1,413 |
| Noninterest expense to average assets | 3.3273% | 2,193 |
| Loan and lease loss provision to assets | 0.0645% | 4,902 |
| Net operating income to assets | 1.8666% | 498 |
| Return on assets (ROA) | 1.6475% | 845 |
| Pretax return on assets | 1.7120% | 1,232 |
| Return on Equity (ROE) | 13.3901% | 1,247 |
| Retained earnings to average equity (ytd only) | 7.8581% | 1,680 |
| Net charge-offs to loans | -0.0723% | 6,791 |
| Credit loss provision to net charge-offs | -227.2727% | 6,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5812% | 5,220 |
| Assets per employee ($millions) | 4.1600% | 3,550 |
| Cash dividends to net income (ytd only)* | 41.3144% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8517% | 2,640 |
| Loan loss allowance to noncurrent loans | 178.4580% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 5,670 |
| Noncurrent loans to loans | 1.0376% | 4,369 |
| Net loans and leases to total assets | 38.5682% | 6,385 |
| Net loans and leases to deposits | 45.0520% | 6,457 |
| Net loans and leases to core deposits | 49.1007% | 6,342 |
| Total domestic deposits to total assets | 85.6082% | 3,459 |
| Equity capital to assets | 12.4215% | 1,949 |
| Core capital (leverage) ratio | 11.4630% | 2,012 |
| Tier 1 risk-based capital ratio | 17.2198% | 2,639 |
| Total risk-based capital ratio | 18.3563% | 2,639 |
| Memoranda: | ||
| Average total assets | $103,425,250 | 4,791 |
| Average earning assets | $96,034,250 | 4,740 |
| Average equity | $12,725,500 | 4,457 |
| Average total loans | $40,590,000 | 5,545 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9190% | 2,030 |
| Cost of funding earning assets | 0.3113% | 6,684 |
| Net interest margin | 4.6077% | 816 |
| Noninterest income to average assets | 1.0859% | 1,214 |
| Noninterest expense to average assets | 3.3128% | 2,274 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7255% | 640 |
| Return on assets (ROA) | 1.4335% | 1,254 |
| Pretax return on assets | 1.6986% | 1,257 |
| Return on Equity (ROE) | 11.6903% | 1,774 |
| Retained earnings to average equity (ytd only) | 3.2348% | 4,457 |
| Net charge-offs to loans | -0.2553% | 7,049 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9747% | 5,426 |
| Assets per employee ($millions) | 3.9978% | 3,883 |
| Cash dividends to net income (ytd only)* | 72.3288% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8982% | 2,565 |
| Loan loss allowance to noncurrent loans | 208.1522% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 5,891 |
| Noncurrent loans to loans | 0.9120% | 4,676 |
| Net loans and leases to total assets | 38.0857% | 6,471 |
| Net loans and leases to deposits | 44.4448% | 6,527 |
| Net loans and leases to core deposits | 48.2321% | 6,448 |
| Total domestic deposits to total assets | 85.6920% | 3,509 |
| Equity capital to assets | 12.3107% | 1,927 |
| Core capital (leverage) ratio | 11.3199% | 2,028 |
| Tier 1 risk-based capital ratio | 17.1214% | 2,617 |
| Total risk-based capital ratio | 18.2754% | 2,615 |
| Memoranda: | ||
| Average total assets | $101,847,330 | 4,858 |
| Average earning assets | $94,450,000 | 4,806 |
| Average equity | $12,489,000 | 4,503 |
| Average total loans | $39,952,670 | 5,605 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0145% | 1,838 |
| Cost of funding earning assets | 0.3214% | 6,770 |
| Net interest margin | 4.6930% | 690 |
| Noninterest income to average assets | 1.0595% | 1,287 |
| Noninterest expense to average assets | 3.3056% | 2,268 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7686% | 639 |
| Return on assets (ROA) | 1.1786% | 1,988 |
| Pretax return on assets | 1.3968% | 2,200 |
| Return on Equity (ROE) | 9.6307% | 2,547 |
| Retained earnings to average equity (ytd only) | 9.6307% | 1,372 |
| Net charge-offs to loans | 0.0402% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 132.2500% | 267 |
| Efficiency ratio | 60.3524% | 5,569 |
| Assets per employee ($millions) | 3.9412% | 4,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7950% | 3,011 |
| Loan loss allowance to noncurrent loans | 189.6000% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 5,970 |
| Noncurrent loans to loans | 0.9467% | 4,784 |
| Net loans and leases to total assets | 37.9616% | 6,493 |
| Net loans and leases to deposits | 44.2056% | 6,547 |
| Net loans and leases to core deposits | 47.3501% | 6,493 |
| Total domestic deposits to total assets | 85.8752% | 3,605 |
| Equity capital to assets | 12.3761% | 1,804 |
| Core capital (leverage) ratio | 11.6293% | 1,817 |
| Tier 1 risk-based capital ratio | 17.9329% | 2,318 |
| Total risk-based capital ratio | 19.0466% | 2,342 |
| Memoranda: | ||
| Average total assets | $100,800,000 | 4,919 |
| Average earning assets | $93,329,500 | 4,868 |
| Average equity | $12,335,500 | 4,547 |
| Average total loans | $39,752,500 | 5,652 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2764% | 1,783 |
| Cost of funding earning assets | 0.5253% | 6,437 |
| Net interest margin | 4.7511% | 686 |
| Noninterest income to average assets | 1.2013% | 918 |
| Noninterest expense to average assets | 2.7355% | 4,602 |
| Loan and lease loss provision to assets | -0.0228% | 7,227 |
| Net operating income to assets | 3.0353% | 86 |
| Return on assets (ROA) | 1.4378% | 1,031 |
| Pretax return on assets | 1.3102% | 2,091 |
| Return on Equity (ROE) | 12.2949% | 1,333 |
| Retained earnings to average equity (ytd only) | 3.4685% | 3,749 |
| Net charge-offs to loans | -0.0025% | 6,803 |
| Credit loss provision to net charge-offs | 2,200.0000% | 103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8405% | 6,957 |
| Assets per employee ($millions) | 3.8126% | 4,299 |
| Cash dividends to net income (ytd only)* | 71.7893% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7922% | 2,893 |
| Loan loss allowance to noncurrent loans | 143.2866% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.5034% | 5,711 |
| Noncurrent loans to loans | 1.2508% | 4,276 |
| Net loans and leases to total assets | 39.5236% | 6,571 |
| Net loans and leases to deposits | 45.7640% | 6,635 |
| Net loans and leases to core deposits | 48.9597% | 6,594 |
| Total domestic deposits to total assets | 86.3641% | 3,105 |
| Equity capital to assets | 12.0945% | 2,048 |
| Core capital (leverage) ratio | 11.4295% | 1,941 |
| Tier 1 risk-based capital ratio | 17.2952% | 2,469 |
| Total risk-based capital ratio | 18.4054% | 2,492 |
| Memoranda: | ||
| Average total assets | $96,398,400 | 4,994 |
| Average earning assets | $89,663,400 | 4,946 |
| Average equity | $11,273,000 | 4,724 |
| Average total loans | $40,728,600 | 5,659 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3169% | 1,798 |
| Cost of funding earning assets | 0.5740% | 6,413 |
| Net interest margin | 4.7429% | 696 |
| Noninterest income to average assets | 1.2077% | 905 |
| Noninterest expense to average assets | 2.4656% | 5,572 |
| Loan and lease loss provision to assets | -0.0947% | 7,354 |
| Net operating income to assets | 3.2568% | 80 |
| Return on assets (ROA) | 1.1116% | 2,066 |
| Pretax return on assets | 1.1116% | 2,961 |
| Return on Equity (ROE) | 9.5905% | 2,352 |
| Retained earnings to average equity (ytd only) | 9.5905% | 958 |
| Net charge-offs to loans | -0.1368% | 7,214 |
| Credit loss provision to net charge-offs | 161.9048% | 1,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9703% | 7,178 |
| Assets per employee ($millions) | 3.7852% | 4,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7842% | 3,003 |
| Loan loss allowance to noncurrent loans | 109.5679% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.7722% | 5,231 |
| Noncurrent loans to loans | 1.6284% | 3,857 |
| Net loans and leases to total assets | 39.7124% | 6,658 |
| Net loans and leases to deposits | 46.2647% | 6,729 |
| Net loans and leases to core deposits | 49.7075% | 6,682 |
| Total domestic deposits to total assets | 85.8375% | 3,308 |
| Equity capital to assets | 12.6485% | 1,821 |
| Core capital (leverage) ratio | 11.8508% | 1,791 |
| Tier 1 risk-based capital ratio | 18.7193% | 2,021 |
| Total risk-based capital ratio | 19.8715% | 2,011 |
| Memoranda: | ||
| Average total assets | $95,716,000 | 5,048 |
| Average earning assets | $89,197,250 | 4,982 |
| Average equity | $11,094,000 | 4,783 |
| Average total loans | $40,937,250 | 5,700 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3829% | 1,614 |
| Cost of funding earning assets | 0.6260% | 6,334 |
| Net interest margin | 4.7570% | 649 |
| Noninterest income to average assets | 1.2361% | 831 |
| Noninterest expense to average assets | 2.5038% | 5,519 |
| Loan and lease loss provision to assets | -0.1434% | 7,437 |
| Net operating income to assets | 2.7843% | 119 |
| Return on assets (ROA) | 0.4366% | 4,926 |
| Pretax return on assets | 0.5210% | 4,990 |
| Return on Equity (ROE) | 3.8900% | 4,984 |
| Retained earnings to average equity (ytd only) | 3.8900% | 3,720 |
| Net charge-offs to loans | -0.1694% | 7,270 |
| Credit loss provision to net charge-offs | 194.2857% | 1,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2553% | 7,264 |
| Assets per employee ($millions) | 3.6020% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 3,341 |
| Loan loss allowance to noncurrent loans | 196.3687% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 6,218 |
| Noncurrent loans to loans | 0.8628% | 5,225 |
| Net loans and leases to total assets | 41.9392% | 6,596 |
| Net loans and leases to deposits | 48.0843% | 6,718 |
| Net loans and leases to core deposits | 51.8351% | 6,677 |
| Total domestic deposits to total assets | 87.2202% | 2,612 |
| Equity capital to assets | 11.6436% | 2,369 |
| Core capital (leverage) ratio | 11.3255% | 2,032 |
| Tier 1 risk-based capital ratio | 17.4376% | 2,361 |
| Total risk-based capital ratio | 18.5588% | 2,381 |
| Memoranda: | ||
| Average total assets | $94,816,330 | 5,116 |
| Average earning assets | $88,501,670 | 5,040 |
| Average equity | $10,642,670 | 4,884 |
| Average total loans | $41,318,670 | 5,744 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4657% | 1,389 |
| Cost of funding earning assets | 0.6752% | 6,271 |
| Net interest margin | 4.7905% | 581 |
| Noninterest income to average assets | 1.2522% | 810 |
| Noninterest expense to average assets | 5.3079% | 289 |
| Loan and lease loss provision to assets | -0.2906% | 7,521 |
| Net operating income to assets | 0.3547% | 5,154 |
| Return on assets (ROA) | -0.4530% | 6,788 |
| Pretax return on assets | -0.1154% | 6,464 |
| Return on Equity (ROE) | -4.1157% | 6,748 |
| Retained earnings to average equity (ytd only) | -4.1157% | 6,428 |
| Net charge-offs to loans | -0.3104% | 7,343 |
| Credit loss provision to net charge-offs | 212.5000% | 1,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1407% | 1,153 |
| Assets per employee ($millions) | 3.7128% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 3,612 |
| Loan loss allowance to noncurrent loans | 230.2632% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 6,411 |
| Noncurrent loans to loans | 0.7074% | 5,601 |
| Net loans and leases to total assets | 43.7927% | 6,484 |
| Net loans and leases to deposits | 49.7072% | 6,642 |
| Net loans and leases to core deposits | 54.3640% | 6,528 |
| Total domestic deposits to total assets | 88.1014% | 2,316 |
| Equity capital to assets | 10.8762% | 2,801 |
| Core capital (leverage) ratio | 11.3160% | 1,946 |
| Tier 1 risk-based capital ratio | 16.0778% | 2,869 |
| Total risk-based capital ratio | 17.1388% | 2,932 |
| Memoranda: | ||
| Average total assets | $93,597,000 | 5,185 |
| Average earning assets | $87,088,500 | 5,125 |
| Average equity | $10,302,000 | 4,963 |
| Average total loans | $41,232,500 | 5,798 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9747% | 892 |
| Cost of funding earning assets | 0.8546% | 6,352 |
| Net interest margin | 5.1201% | 338 |
| Noninterest income to average assets | 1.2409% | 975 |
| Noninterest expense to average assets | 3.9171% | 1,291 |
| Loan and lease loss provision to assets | -0.1623% | 7,616 |
| Net operating income to assets | 1.7868% | 429 |
| Return on assets (ROA) | 1.4319% | 951 |
| Pretax return on assets | 1.7565% | 840 |
| Return on Equity (ROE) | 13.4905% | 982 |
| Retained earnings to average equity (ytd only) | 2.6731% | 3,989 |
| Net charge-offs to loans | 0.0470% | 6,332 |
| Credit loss provision to net charge-offs | -816.6667% | 7,141 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 245 |
| Efficiency ratio | 65.0632% | 5,152 |
| Assets per employee ($millions) | 3.4870% | 4,960 |
| Cash dividends to net income (ytd only)* | 80.1850% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 2,654 |
| Loan loss allowance to noncurrent loans | 202.7548% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 6,224 |
| Noncurrent loans to loans | 0.9192% | 5,219 |
| Net loans and leases to total assets | 42.7467% | 6,808 |
| Net loans and leases to deposits | 48.5615% | 6,923 |
| Net loans and leases to core deposits | 53.3786% | 6,842 |
| Total domestic deposits to total assets | 88.0259% | 2,235 |
| Equity capital to assets | 11.1458% | 2,556 |
| Core capital (leverage) ratio | 11.7247% | 1,713 |
| Tier 1 risk-based capital ratio | 17.0164% | 2,339 |
| Total risk-based capital ratio | 18.1866% | 2,339 |
| Memoranda: | ||
| Average total assets | $90,578,000 | 5,272 |
| Average earning assets | $83,201,000 | 5,246 |
| Average equity | $9,614,200 | 5,231 |
| Average total loans | $38,336,400 | 5,993 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0451% | 854 |
| Cost of funding earning assets | 0.8964% | 6,406 |
| Net interest margin | 5.1487% | 326 |
| Noninterest income to average assets | 1.2014% | 966 |
| Noninterest expense to average assets | 3.9989% | 1,043 |
| Loan and lease loss provision to assets | -0.2164% | 7,722 |
| Net operating income to assets | 1.6187% | 722 |
| Return on assets (ROA) | 1.1543% | 1,820 |
| Pretax return on assets | 1.5268% | 1,538 |
| Return on Equity (ROE) | 11.0131% | 1,780 |
| Retained earnings to average equity (ytd only) | 6.3915% | 2,141 |
| Net charge-offs to loans | 0.0596% | 5,918 |
| Credit loss provision to net charge-offs | -864.7059% | 7,069 |
| Earnings coverage of net charge-offs (x) | 76.7517% | 395 |
| Efficiency ratio | 66.6998% | 4,710 |
| Assets per employee ($millions) | 3.4450% | 5,106 |
| Cash dividends to net income (ytd only)* | 41.9646% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9121% | 2,442 |
| Loan loss allowance to noncurrent loans | 235.4633% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3707% | 6,480 |
| Noncurrent loans to loans | 0.8120% | 5,594 |
| Net loans and leases to total assets | 42.2101% | 6,963 |
| Net loans and leases to deposits | 48.6064% | 7,060 |
| Net loans and leases to core deposits | 53.2432% | 6,998 |
| Total domestic deposits to total assets | 86.8406% | 2,619 |
| Equity capital to assets | 12.1222% | 2,079 |
| Core capital (leverage) ratio | 11.9500% | 1,698 |
| Tier 1 risk-based capital ratio | 17.7070% | 2,111 |
| Total risk-based capital ratio | 18.9054% | 2,094 |
| Memoranda: | ||
| Average total assets | $90,557,000 | 5,337 |
| Average earning assets | $82,996,500 | 5,305 |
| Average equity | $9,491,500 | 5,343 |
| Average total loans | $38,047,750 | 6,095 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0545% | 836 |
| Cost of funding earning assets | 0.9493% | 6,380 |
| Net interest margin | 5.1053% | 337 |
| Noninterest income to average assets | 1.1377% | 1,006 |
| Noninterest expense to average assets | 4.6872% | 481 |
| Loan and lease loss provision to assets | -0.3653% | 7,801 |
| Net operating income to assets | 1.0201% | 2,119 |
| Return on assets (ROA) | 0.9837% | 2,341 |
| Pretax return on assets | 1.4260% | 1,765 |
| Return on Equity (ROE) | 9.8938% | 2,139 |
| Retained earnings to average equity (ytd only) | 2.6118% | 4,477 |
| Net charge-offs to loans | 0.1848% | 4,506 |
| Credit loss provision to net charge-offs | -474.2857% | 6,813 |
| Earnings coverage of net charge-offs (x) | 14.4571% | 1,519 |
| Efficiency ratio | 79.9317% | 2,459 |
| Assets per employee ($millions) | 3.3912% | 5,213 |
| Cash dividends to net income (ytd only)* | 73.6018% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 2,651 |
| Loan loss allowance to noncurrent loans | 193.3702% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6662% | 5,819 |
| Noncurrent loans to loans | 0.9439% | 5,414 |
| Net loans and leases to total assets | 41.1197% | 7,093 |
| Net loans and leases to deposits | 46.3807% | 7,233 |
| Net loans and leases to core deposits | 51.7121% | 7,147 |
| Total domestic deposits to total assets | 88.6569% | 1,641 |
| Equity capital to assets | 10.4661% | 3,456 |
| Core capital (leverage) ratio | 11.4046% | 1,972 |
| Tier 1 risk-based capital ratio | 16.4513% | 2,491 |
| Total risk-based capital ratio | 17.5437% | 2,507 |
| Memoranda: | ||
| Average total assets | $90,885,670 | 5,360 |
| Average earning assets | $83,012,000 | 5,338 |
| Average equity | $9,036,000 | 5,492 |
| Average total loans | $37,882,000 | 6,142 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0707% | 833 |
| Cost of funding earning assets | 1.0271% | 6,239 |
| Net interest margin | 5.0435% | 380 |
| Noninterest income to average assets | 1.1486% | 944 |
| Noninterest expense to average assets | 3.6489% | 1,618 |
| Loan and lease loss provision to assets | 0.1988% | 4,517 |
| Net operating income to assets | 1.4688% | 950 |
| Return on assets (ROA) | 1.3871% | 1,179 |
| Pretax return on assets | 1.7935% | 888 |
| Return on Equity (ROE) | 14.3338% | 986 |
| Retained earnings to average equity (ytd only) | 14.3338% | 468 |
| Net charge-offs to loans | 0.0850% | 4,572 |
| Credit loss provision to net charge-offs | 562.5000% | 767 |
| Earnings coverage of net charge-offs (x) | 59.3750% | 510 |
| Efficiency ratio | 62.6441% | 5,718 |
| Assets per employee ($millions) | 3.5218% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4650% | 1,340 |
| Loan loss allowance to noncurrent loans | 65.8246% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.8227% | 3,752 |
| Noncurrent loans to loans | 3.7449% | 2,121 |
| Net loans and leases to total assets | 40.5316% | 7,217 |
| Net loans and leases to deposits | 45.3822% | 7,353 |
| Net loans and leases to core deposits | 51.1163% | 7,240 |
| Total domestic deposits to total assets | 89.3118% | 1,359 |
| Equity capital to assets | 9.9129% | 3,968 |
| Core capital (leverage) ratio | 11.6652% | 1,823 |
| Tier 1 risk-based capital ratio | 16.8908% | 2,304 |
| Total risk-based capital ratio | 18.1442% | 2,259 |
| Memoranda: | ||
| Average total assets | $90,547,500 | 5,435 |
| Average earning assets | $82,561,000 | 5,415 |
| Average equity | $8,762,500 | 5,605 |
| Average total loans | $37,648,000 | 6,224 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5929% | 561 |
| Cost of funding earning assets | 1.2114% | 6,620 |
| Net interest margin | 5.3816% | 217 |
| Noninterest income to average assets | 1.2888% | 906 |
| Noninterest expense to average assets | 3.9540% | 1,431 |
| Loan and lease loss provision to assets | 0.0422% | 7,129 |
| Net operating income to assets | 1.5928% | 560 |
| Return on assets (ROA) | 1.5953% | 591 |
| Pretax return on assets | 2.1457% | 316 |
| Return on Equity (ROE) | 17.7575% | 387 |
| Retained earnings to average equity (ytd only) | 3.6783% | 2,615 |
| Net charge-offs to loans | -0.4442% | 7,943 |
| Credit loss provision to net charge-offs | -22.8395% | 7,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5790% | 5,853 |
| Assets per employee ($millions) | 3.4433% | 5,143 |
| Cash dividends to net income (ytd only)* | 79.2857% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4192% | 1,334 |
| Loan loss allowance to noncurrent loans | 58.9274% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.9804% | 3,422 |
| Noncurrent loans to loans | 4.1054% | 1,792 |
| Net loans and leases to total assets | 40.5945% | 7,318 |
| Net loans and leases to deposits | 45.1803% | 7,473 |
| Net loans and leases to core deposits | 60.1387% | 7,258 |
| Total domestic deposits to total assets | 89.8500% | 1,036 |
| Equity capital to assets | 9.4363% | 4,506 |
| Core capital (leverage) ratio | 11.5943% | 1,869 |
| Tier 1 risk-based capital ratio | 17.1722% | 2,110 |
| Total risk-based capital ratio | 18.4253% | 2,067 |
| Memoranda: | ||
| Average total assets | $87,758,800 | 5,460 |
| Average earning assets | $79,085,000 | 5,488 |
| Average equity | $7,884,000 | 5,965 |
| Average total loans | $36,473,000 | 6,283 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7249% | 486 |
| Cost of funding earning assets | 1.2380% | 6,766 |
| Net interest margin | 5.4869% | 187 |
| Noninterest income to average assets | 1.2445% | 997 |
| Noninterest expense to average assets | 3.7044% | 1,808 |
| Loan and lease loss provision to assets | 0.3405% | 4,292 |
| Net operating income to assets | 1.6168% | 643 |
| Return on assets (ROA) | 1.6064% | 707 |
| Pretax return on assets | 2.1194% | 421 |
| Return on Equity (ROE) | 18.1148% | 446 |
| Retained earnings to average equity (ytd only) | 9.5568% | 716 |
| Net charge-offs to loans | -0.8269% | 8,036 |
| Credit loss provision to net charge-offs | -99.1111% | 7,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1201% | 6,545 |
| Assets per employee ($millions) | 3.4872% | 4,963 |
| Cash dividends to net income (ytd only)* | 47.2434% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1137% | 605 |
| Loan loss allowance to noncurrent loans | 222.0077% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.8982% | 5,277 |
| Noncurrent loans to loans | 1.4025% | 4,571 |
| Net loans and leases to total assets | 41.0454% | 7,409 |
| Net loans and leases to deposits | 46.9008% | 7,543 |
| Net loans and leases to core deposits | 61.6056% | 7,335 |
| Total domestic deposits to total assets | 87.5153% | 1,876 |
| Equity capital to assets | 10.1114% | 3,949 |
| Core capital (leverage) ratio | 11.8612% | 1,856 |
| Tier 1 risk-based capital ratio | 17.9555% | 2,006 |
| Total risk-based capital ratio | 19.2144% | 1,946 |
| Memoranda: | ||
| Average total assets | $87,316,750 | 5,506 |
| Average earning assets | $78,512,000 | 5,539 |
| Average equity | $7,743,000 | 6,066 |
| Average total loans | $36,280,250 | 6,331 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8657% | 401 |
| Cost of funding earning assets | 1.2518% | 6,953 |
| Net interest margin | 5.6139% | 160 |
| Noninterest income to average assets | 1.2545% | 974 |
| Noninterest expense to average assets | 3.7774% | 1,692 |
| Loan and lease loss provision to assets | 0.4075% | 3,482 |
| Net operating income to assets | 1.6218% | 652 |
| Return on assets (ROA) | 1.6254% | 714 |
| Pretax return on assets | 2.0947% | 441 |
| Return on Equity (ROE) | 19.2264% | 388 |
| Retained earnings to average equity (ytd only) | 5.7679% | 2,134 |
| Net charge-offs to loans | -1.4031% | 8,132 |
| Credit loss provision to net charge-offs | -70.3557% | 6,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3579% | 6,641 |
| Assets per employee ($millions) | 3.2218% | 5,530 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0954% | 522 |
| Loan loss allowance to noncurrent loans | 201.9608% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.9806% | 5,007 |
| Noncurrent loans to loans | 1.5327% | 4,198 |
| Net loans and leases to total assets | 40.7757% | 7,513 |
| Net loans and leases to deposits | 47.9817% | 7,567 |
| Net loans and leases to core deposits | 60.2770% | 7,443 |
| Total domestic deposits to total assets | 84.9818% | 3,271 |
| Equity capital to assets | 8.3471% | 6,269 |
| Core capital (leverage) ratio | 11.4169% | 2,128 |
| Tier 1 risk-based capital ratio | 17.0465% | 2,286 |
| Total risk-based capital ratio | 18.3041% | 2,231 |
| Memoranda: | ||
| Average total assets | $87,362,670 | 5,539 |
| Average earning assets | $78,127,670 | 5,593 |
| Average equity | $7,385,670 | 6,229 |
| Average total loans | $36,062,670 | 6,399 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0721% | 300 |
| Cost of funding earning assets | 1.3068% | 6,994 |
| Net interest margin | 5.7653% | 130 |
| Noninterest income to average assets | 1.2427% | 926 |
| Noninterest expense to average assets | 3.8195% | 1,436 |
| Loan and lease loss provision to assets | 0.4980% | 2,477 |
| Net operating income to assets | 1.5717% | 825 |
| Return on assets (ROA) | 1.5717% | 904 |
| Pretax return on assets | 2.0651% | 580 |
| Return on Equity (ROE) | 18.4748% | 552 |
| Retained earnings to average equity (ytd only) | 18.4748% | 219 |
| Net charge-offs to loans | -2.6710% | 8,183 |
| Credit loss provision to net charge-offs | -45.6067% | 6,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0551% | 6,546 |
| Assets per employee ($millions) | 3.2522% | 5,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9073% | 522 |
| Loan loss allowance to noncurrent loans | 83.4658% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 2.1250% | 2,714 |
| Noncurrent loans to loans | 3.4832% | 1,828 |
| Net loans and leases to total assets | 39.9339% | 7,571 |
| Net loans and leases to deposits | 47.5523% | 7,596 |
| Net loans and leases to core deposits | 57.0234% | 7,565 |
| Total domestic deposits to total assets | 83.9790% | 3,713 |
| Equity capital to assets | 8.5400% | 6,007 |
| Core capital (leverage) ratio | 11.4970% | 2,150 |
| Tier 1 risk-based capital ratio | 17.2299% | 2,259 |
| Total risk-based capital ratio | 18.4865% | 2,204 |
| Memoranda: | ||
| Average total assets | $87,550,000 | 5,565 |
| Average earning assets | $78,053,500 | 5,624 |
| Average equity | $7,448,000 | 6,243 |
| Average total loans | $35,792,500 | 6,447 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0532% | 1,004 |
| Cost of funding earning assets | 2.2034% | 5,586 |
| Net interest margin | 4.8498% | 708 |
| Noninterest income to average assets | 1.3981% | 736 |
| Noninterest expense to average assets | 3.6842% | 1,980 |
| Loan and lease loss provision to assets | -0.0114% | 8,203 |
| Net operating income to assets | 1.6682% | 720 |
| Return on assets (ROA) | 1.7803% | 553 |
| Pretax return on assets | 2.2105% | 390 |
| Return on Equity (ROE) | 18.0863% | 516 |
| Retained earnings to average equity (ytd only) | 2.7897% | 3,444 |
| Net charge-offs to loans | -0.0359% | 7,994 |
| Credit loss provision to net charge-offs | 83.3333% | 5,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2344% | 5,730 |
| Assets per employee ($millions) | 3.2330% | 5,388 |
| Cash dividends to net income (ytd only)* | 84.5758% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9792% | 1,266 |
| Loan loss allowance to noncurrent loans | 241.2371% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 1.0299% | 4,247 |
| Noncurrent loans to loans | 0.8204% | 4,999 |
| Net loans and leases to total assets | 39.8293% | 7,678 |
| Net loans and leases to deposits | 48.4416% | 7,694 |
| Net loans and leases to core deposits | 58.3584% | 7,655 |
| Total domestic deposits to total assets | 82.2213% | 4,112 |
| Equity capital to assets | 8.4741% | 6,130 |
| Core capital (leverage) ratio | 11.1961% | 2,434 |
| Tier 1 risk-based capital ratio | 16.8336% | 2,366 |
| Total risk-based capital ratio | 18.0076% | 2,333 |
| Memoranda: | ||
| Average total assets | $87,401,400 | 5,438 |
| Average earning assets | $78,332,800 | 5,483 |
| Average equity | $8,603,200 | 5,870 |
| Average total loans | $33,438,200 | 6,513 |